Seattle Insurance Rates:

Seattle, WA homeowners insurance is approximately $535 to $725, about $44-$60/month. Our thorough research reveals consumers can save upto $252 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

State Farm
Theft is one of my biggest concerns as a homeowner in my neighborhood and the fact that state farm covers theft gives me confidence in them.
Progressive
My home insurance company rate doesn't change from year to year, even with the discount aspect. even though it is cheaper than others. i have comparison shopped around for, i think it's not discounted enough for being bundled with my car insurance. i think the price could be better, honestly.
Progressive
Their customer service is excellent. i've never had a bad experience speaking with them on the phone, and the wait times are always minimal regardless of what time of day i call them.
Liberty Mutual
One thing I don't like is that in order to continue to get a discount I have to remain bundled with my car insurance.
Nationwide
I have never had an issue with their service. Just recently we filed an insurance claim. They walked us through every step of the way. They stayed in contact with me and were very helpful. I could not have been more pleased.
Allstate
I like the website is easy to navigate. The easy navigation makes it easy to find what I need when I need it with just a few clicks.
Travelers
The website login could be improved. By making the log in a puzzle, it makes it so I have to constantly recover all of my information to use the site.
Geico
I would rate this company on a scale of 1 out of 5 because I am extremely satisfied with them. I would recommend to my families and friends. Great team and great customer services.
State Farm
I actually do not use the mobile app, I only use the desktop website.
Allstate
I used to be with State Farm and the premiums got out of control, I did a price comparison and it wasn't close considering the bundles that I had
Amica Mutual Insurance
I'd say the one thing I really like about Amica is their customer service. It's rare to find any company that has top notch service like this and it doesn't degrade over time. While I have been with the company a short while, I would say I've been with them long enough to notice if there was a decline in their services.
Progressive
prices are too high
Liberty Mutual
For me, personally, I dislike having to negotiate over a claim, no matter how amicable it is done. I understand the insurance company is in business to make money, and so for me, it is a necessary evil.
State Farm
I like musty the custom severs very helpful , I have no problems so far with this company .
State Farm
I like that when you call someone usually calls you right back. It's very easy to file a claim and if you have a question they do their best to find an answer for you.
State Farm
It covers 80 % of the damage to the home. So it's nice and very happy with hit and very cheap. The company is well known and reputed so can be trusted easily
State Farm
I love State Farm. I have both my auto and home insurance bundled together and have never had a problem with them.

Seattle, WA Homeowners Insurance By Home Value

Seattle, WA Home Value Total Homes % of Total Average Seattle, WA Homeowners Insurance
Less than $50,000 3,971 3.0% $37
$100,000 to $124,999 1,996 1.0% $176
$125,000 to $149,999 2,191 1.0% $226
$150,000 to $174,999 4,657 4.0% $264
$175,000 to $199,999 6,370 5.0% $308
$200,000 to $249,999 19,149 16.0% $371
$250,000 to $299,999 23,706 20.0% $453
$300,000 to $399,999 51,365 44.0% $573

Top Home Insurance Agents Near Seattle, WA

Home Insurance Company Near Seattle, WA Homeowners Insurance Agency Near Seattle, WA Address
Liberty Mutual Independent Carriage Insurance Agency 301 Bendigo Blvd N North Bend, North Bend, WA, 98045
Travelers Homer Smith Insurance Inc 804 WATER STREET, PORT TOWNSEND, WA, 98368
Liberty Mutual Independent Otter Insurance Agency Inc 20102 CEDAR VALLEY ROAD, LYNNWOOD, WA, 98036
Travelers Professional Insurance Group Inc 555 116TH AVE NE STE 111, BELLEVUE, WA, 98004
Allstate Thida Sin 10423 Main St Ste 1A, Bellevue, WA, 98004

Cost Of Homeowners Insurance By Street Near Seattle, WA

Streets in Seattle Area Homeowners Insurance Cost
SW Normandy Rd, McGilvra Blvd E, NW 65th St, NW 42nd St, 8th Ct NE, NW 173rd St, N 37th St, S Massachusetts St, SW 152nd St, Perkins Ln W$647
21st Pl NE, 83rd Ave S, 26th Ave SE, W Lee St, 68th Pl S, 20th Pl NE, SW 118th St, E Superior St, Gale Pl S, 42nd Ave E$614
NW Dock Pl, 118th Ct SE, Stendall Dr N, N 168th St, 83rd Ave S, Marine View Pl SW, S 207th St, W Roberts Way, Carter Pl, N Allen Pl$721
Renton Pl S, NW 120th St, S Oxford Ct, 58th Ave SW, Alaskan Way W, 29th Ave, NW 62nd St, Gilman Ave W, SW 209th St, N 198th St$619
Taylor Ave N, E Gwinn Pl, NW 52nd St, 29th Ave W, Harrison St, E Hamlin St, S 107th St, Beach Dr, S 106th St, E Green Lake Way N$620
N 169th St, Malden Ave E, NW 39th St, S 117th Ct, S 183rd St, Strander Blvd, Maynard Aly S, 47th Ave W, SE 228th Pl, 12th Ave$647
Pacific Hwy Brg, Waters Ave S, N 100th St, S 141st St, W Argand St, SE 251st Ct, N 125th St, NE Elk Pl, Patten Pl W, S 141st St$660
SW 99th St, 96th Way, Dr Jose P Rizal Brg, 12th Ave W, Ursula Pl S, 22nd Ave W, Minkler Blvd, S 289th Pl, Kimberly Ave, S 167th Pl$700
34th Ln S, N 137th St, E Louisa St, 15th Ave W, 12th Ave E, SW Walker St, S 256th St, 77th Ave S, S 154th St, Raymond Ave SW$617
44th Pl NE, Yale Ave N, S Donovan St, 47th Pl NE, N 174th St, NE Campus Pkwy, SE 203rd St, S 226th St, N 182nd Pl, Meridian Pl N$674

Seattle, WA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Seattle$94 to $96
Boulevard Park$90
White Center$89
Mercer Island$112

Seattle, WA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Boulevard Park CDP, Washington $75 $100 $150
White Center CDP, Washington $75 $99 $149
Mercer Island city, Washington $94 $125 $187

Seattle, WA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Seattle, WA2.4%8.1%
Boulevard Park2.77%7.09%
White Center2.73%9.03%
Mercer Island1.66%7.01%

Seattle Renters Insurance as a Percentage of Rent

Seattle Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 3,292 1.0% $320
$200 to $299 5,905 2.0% $770
$300 to $499 8,068 4.0% $1220
$500 to $749 22,902 11.0% $1895
$750 to $999 54,668 27.0% $2645
$1,000 to $1,499 65,759 32.0% $3770
$1,500 or more 38,890 19.0% $5420

Seattle, WA Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98112 $745,300 $720
98199 $622,800 $690
98119 $614,500 $700
98105 $611,600 $700
98115 $492,800 $680
98109 $491,700 $670
98177 $489,300 $670
98103 $482,600 $670
98116 $476,200 $670
98117 $470,800 $670
98136 $462,400 $660
98107 $455,700 $660
98104 $437,500 $650
98122 $420,900 $660
98102 $415,500 $650
98121 $407,400 $650
98144 $399,900 $650
98101 $393,800 $640
98126 $380,500 $640
98125 $377,400 $650
98118 $360,500 $630
98133 $338,200 $620
98106 $305,100 $630
98134 $206,700 $600

Seattle, WA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Seattle Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,300$5,700
Net Savings to Seattle Home Owner from High Deductible Plan $600

Seattle, WA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Seattle, WA Home Replacement Value MORE than Home Value Seattle, WA Home Replacement Value LESS than Home Value
Replacement Value $390,500 $273,000
Insurance Premium based on Replacement Value $1,025 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $72,500 Risk Exposure from Under Insuring Coverage is $45,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $200/year

Example Seattle Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceGEICO InsuranceState Farm
Monthly Premium 1517046
Year Built 199719482010
Home Details 5 Beds, 4 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $500000-$600000$300000-$350000$200000-$250000
Deductible $500 Deductible$1000-$2500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Seattle, WA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 300,000 Asphalt Shingles Roof 1,740 3 $2500-$5000 Deductible 390 7 Stucco siding No
1941 485,000 Asphalt Shingles Roof 2,450 4 $500- $1000 Deductible 130 1 Brick siding No
1972 265,000 Membrane Roof 1,190 2 $500- $1000 Deductible 210 3 Stone Siding No
1991 360,000 Tile Roof 2,210 5 > $10,000 Deductible 160 3 Brick siding No
1978 300,000 Metal Roof 1,350 3 > $10,000 Deductible 140 4 Wood siding yes
1945 285,000 Slate Shingles Roof 1,450 2 $500 Deductible 420 8 Wood siding No
1978 355,000 Slate Shingles Roof 1,730 3 $500- $1000 Deductible 190 2 Wood siding yes
1981 230,000 Composition Roof 1,330 3 $2500-$5000 Deductible 50 1 Wood siding yes
2012 675,000 Composition Roof 3,510 5 $1000-$2500 Deductible 190 2 Fiber-Cement Siding yes
1985 345,000 Membrane Roof 1,740 2 $500- $1000 Deductible 580 8 Stone Siding yes
1978 620,000 Metal Roof 2,840 4 $1000-$2500 Deductible 970 6 Stucco siding No
1944 510,000 Tile Roof 3,150 4 $2500-$5000 Deductible 630 10 Brick siding yes
1975 455,000 Shingles Roof 2,260 3 $5000 to $10,000 Deductible 350 6 Stone Siding yes
1945 810,000 Metal Roof 4,670 5 $5000 to $10,000 Deductible 1610 12 Brick siding yes
1970 445,000 Slate Shingles Roof 2,270 4 > $10,000 Deductible 430 6 Stone Siding yes
1982 560,000 Shingles Roof 3,070 4 $500- $1000 Deductible 150 1 Brick siding yes
1944 430,000 Asphalt Shingles Roof 2,390 3 $500 Deductible 540 4 Vinyl siding No
1990 460,000 Asphalt Shingles Roof 2,140 3 $2500-$5000 Deductible 210 2 Brick siding No
1942 400,000 Asphalt Shingles Roof 1,970 4 $500 Deductible 560 8 Wood siding No
1971 325,000 Wood Shake Roof 1,970 3 $500- $1000 Deductible 290 4 Stone Siding yes
1940 805,000 Wood Shake Roof 4,020 5 > $10,000 Deductible 390 5 Stucco siding yes
1943 675,000 Asphalt Shingles Roof 3,350 5 $500 Deductible 1920 12 Stone Siding No
1986 770,000 Asphalt Shingles Roof 1,924 3 $1000-$2500 Deductible 4580 2 Fiber-Cement Siding No